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Travel insurance is insurance designed to cover cost or reduce some risks that may occur when you are traveling somewhere, both internationally and domestically. – Personal accident includes injuries that may lead to death or permanent disablement. There are some types of unexpected events that may happen to you as a tourism, which will be covered by insurance:

– Medical expenses paid for medical treatments (for some cases like, you get illnesses that are caused by climate change, food poisoning/ food allergy, or you have an traffic accident)

– Luggage and important documents (passport/visa requirements) are lost or stolen in the trip.

– Trip cancellation/ Trip delay that make you have to cancel or change your original plan. In this circumstance, you will get a reimbursement or a replacement plan. Also, in the following cases, travel insurance will not cover:

– Injuries that caused from extreme high-risk sports such as sky diving, scuba diving, cliff jumping, mountain biking, etc… (But some companies also do offer insurance covering this kind of sports)

– Self – inflicted injuries

– Natural disasters (earthquake, flood, hurricane, etc.…)

– A travel to some specific countries with unstable political situations such as Syria or Afghanistan…

Why should you buy travel insurance?

Everything can happen, even when you prepare carefully for every single case. As living in a different country, it seems totally okay if you get illness, because you are not getting used to with its weather, water, or food, etc… But what if you contract a deadly decease? Moreover, when traveling, costs for accidental events can be much higher, this can lead you tourisms to a big troubles. To avoid losses and risks from unforeseen circumstances during a domestic or an overseas trip, I would say that travel insurance is a really good choice. At least, it brings you peace in mind.

Of course, travel insurance will become unnecessary if you can easily pay for all the costs, or you think that it is not worth the expense.

Where to buy insurance?

There are many ways to get a travel insurance, your job is choosing the method that works best for you.  You can buy it directly from the insurance company, through intermediaries (sales presentative, banks, agents, etc…) Also, you can purchase online or through telephone. Many online companies which sell airplane tickets allow customers to buy travel insurance as an added service.